New Jersey Administrative Code
Title 13 - LAW AND PUBLIC SAFETY
Chapter 45F - IDENTITY THEFT
Subchapter 2 - SECURITY FREEZE PROVISIONS
Section 13:45F-2.4 - Removing a security freeze
Universal Citation: NJ Admin Code 13:45F-2.4
Current through Register Vol. 56, No. 18, September 16, 2024
(a) Where a consumer reporting agency has received a request from the consumer to remove a security freeze it shall:
1. Remove the freeze
if the consumer has supplied the information necessary for proper
identification specified in the information given to the consumer pursuant to
13:45F-2.1(a)1 i
and the PIN provided to the consumer pursuant to
13:45F-2.2(a)3;
and
2. Comply with the request as
expeditiously as possible, but no later than three business days after
receiving the request.
(b) If a consumer reporting agency intends to remove a security freeze based on a material misrepresentation of fact by a consumer, the consumer reporting agency shall notify the consumer in writing in plain language and shall wait at least five business days after mailing the notice before removing the freeze. The notification to the consumer shall:
1. Be sent via first class mail to the
consumer at the address on file with the consumer reporting agency;
2. State the basis upon which the consumer
reporting agency has concluded that there was a material misrepresentation of
fact;
3. State the action that the
consumer reporting agency intends to take and the effective date of that
action; and
4. Provide information
for contacting the consumer reporting agency, including a telephone number, to
dispute its findings.
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